Punjee – SIP & Goal Planner
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About this app
Punjee is the SIP planner that tells you the truth.
Most calculators quote you the monthly SIP for ₹1 Crore in 15 years — but that's ₹1 Crore in TODAY's rupees. By 2040, a crore won't buy what a crore buys today. Punjee adjusts every goal target for inflation honestly, giving you the real number — not the understated one.
⚠️ IMPORTANT DISCLAIMER
Punjee is an independent planning tool by UB2 Studio. It is NOT affiliated with, endorsed by, authorized by, or representing the Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Association of Mutual Funds in India (AMFI), Government of India, or any government or regulatory entity.
Punjee does NOT execute investments, recommend specific mutual funds, or provide SEBI-registered investment advice. All projections are informational estimates based on user-entered assumptions.
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✨ WHAT MAKES PUNJEE DIFFERENT
═══════════════════════
📊 INFLATION-HONEST GOAL PLANNING
Set any wealth goal — home, car, education, retirement, dream vacation, child's wedding — and Punjee calculates the real SIP needed in today's purchasing power.
💸 STEP-UP SIP PLANNER
Indian salaries typically grow 8-12% annually. Step-Up SIP lets you start lower and increase contributions yearly, matching your real income growth.
📈 COMPARE RETURN SCENARIOS
See how different return rates shape your wealth. Equity vs hybrid vs fixed-income scenarios — all in one view, using assumed rates you control.
🤖 AI WEALTH COACH
Personal observations on your goals — which are feasible, which are stretch, where you can optimize. Conversational, never robotic. Runs entirely on your device.
🔒 100% PRIVATE
All your goals and inputs stay on your device. Punjee never collects or transmits your financial data. No login required.
═══════════════════════
🎨 PREMIUM DESIGN
═══════════════════════
Glassmorphic cards, custom typography, smooth animations. Built for Indian users who appreciate craft. Premium emerald-gold splash with hand-drawn logo.
═══════════════════════
📱 BUILT FOR INDIAN USERS
═══════════════════════
✓ Indian rupee formatting (₹, lakh, crore commas)
✓ SIP terminology familiar to Indian users
✓ Realistic inflation defaults based on long-term historical context
✓ Goal categories tuned for Indian lifestyle aspirations
═══════════════════════
OFFICIAL INFORMATION SOURCES
═══════════════════════
For authoritative information on mutual funds, SIP investments, and financial regulations in India, please refer to:
Securities and Exchange Board of India (SEBI):
https://www.sebi.gov.in
Association of Mutual Funds in India (AMFI):
https://www.amfiindia.com
Reserve Bank of India (RBI):
https://www.rbi.org.in
Users are strongly encouraged to verify current rates, rules, and regulations directly from these official sources before making any investment decisions.
═══════════════════════
📌 IMPORTANT
═══════════════════════
Punjee is a planning calculator. It does NOT execute investments, recommend specific funds, or offer SEBI-registered advice.
Return rate assumptions used in Punjee are user-controlled inputs only and do not represent any specific scheme, fund, or guaranteed outcome. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns.
For actual investing, please consult a SEBI-registered financial advisor. Read the in-app Disclaimer for full details (Settings → About → Disclaimer).
═══════════════════════
👋 ABOUT UB2 STUDIO
═══════════════════════
Built in Mumbai by UB2 Studio — an indie studio crafting premium mobile apps for Indian users. Punjee is part of our Wave 1 portfolio, alongside FinCalc India Pro.
Follow our journey:
🌐 ub2studio.com
📺 youtube.com/@UB2Studio
📷 instagram.com/ub2studios
📧 contact@ub2studio.com
Most calculators quote you the monthly SIP for ₹1 Crore in 15 years — but that's ₹1 Crore in TODAY's rupees. By 2040, a crore won't buy what a crore buys today. Punjee adjusts every goal target for inflation honestly, giving you the real number — not the understated one.
⚠️ IMPORTANT DISCLAIMER
Punjee is an independent planning tool by UB2 Studio. It is NOT affiliated with, endorsed by, authorized by, or representing the Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Association of Mutual Funds in India (AMFI), Government of India, or any government or regulatory entity.
Punjee does NOT execute investments, recommend specific mutual funds, or provide SEBI-registered investment advice. All projections are informational estimates based on user-entered assumptions.
═══════════════════════
✨ WHAT MAKES PUNJEE DIFFERENT
═══════════════════════
📊 INFLATION-HONEST GOAL PLANNING
Set any wealth goal — home, car, education, retirement, dream vacation, child's wedding — and Punjee calculates the real SIP needed in today's purchasing power.
💸 STEP-UP SIP PLANNER
Indian salaries typically grow 8-12% annually. Step-Up SIP lets you start lower and increase contributions yearly, matching your real income growth.
📈 COMPARE RETURN SCENARIOS
See how different return rates shape your wealth. Equity vs hybrid vs fixed-income scenarios — all in one view, using assumed rates you control.
🤖 AI WEALTH COACH
Personal observations on your goals — which are feasible, which are stretch, where you can optimize. Conversational, never robotic. Runs entirely on your device.
🔒 100% PRIVATE
All your goals and inputs stay on your device. Punjee never collects or transmits your financial data. No login required.
═══════════════════════
🎨 PREMIUM DESIGN
═══════════════════════
Glassmorphic cards, custom typography, smooth animations. Built for Indian users who appreciate craft. Premium emerald-gold splash with hand-drawn logo.
═══════════════════════
📱 BUILT FOR INDIAN USERS
═══════════════════════
✓ Indian rupee formatting (₹, lakh, crore commas)
✓ SIP terminology familiar to Indian users
✓ Realistic inflation defaults based on long-term historical context
✓ Goal categories tuned for Indian lifestyle aspirations
═══════════════════════
OFFICIAL INFORMATION SOURCES
═══════════════════════
For authoritative information on mutual funds, SIP investments, and financial regulations in India, please refer to:
Securities and Exchange Board of India (SEBI):
https://www.sebi.gov.in
Association of Mutual Funds in India (AMFI):
https://www.amfiindia.com
Reserve Bank of India (RBI):
https://www.rbi.org.in
Users are strongly encouraged to verify current rates, rules, and regulations directly from these official sources before making any investment decisions.
═══════════════════════
📌 IMPORTANT
═══════════════════════
Punjee is a planning calculator. It does NOT execute investments, recommend specific funds, or offer SEBI-registered advice.
Return rate assumptions used in Punjee are user-controlled inputs only and do not represent any specific scheme, fund, or guaranteed outcome. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns.
For actual investing, please consult a SEBI-registered financial advisor. Read the in-app Disclaimer for full details (Settings → About → Disclaimer).
═══════════════════════
👋 ABOUT UB2 STUDIO
═══════════════════════
Built in Mumbai by UB2 Studio — an indie studio crafting premium mobile apps for Indian users. Punjee is part of our Wave 1 portfolio, alongside FinCalc India Pro.
Follow our journey:
🌐 ub2studio.com
📺 youtube.com/@UB2Studio
📷 instagram.com/ub2studios
📧 contact@ub2studio.com
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
v1.0.3 — Compliance Update
- Added clear disclaimers and links to SEBI, AMFI, RBI on all calculator screens
- Strengthened non-affiliation disclaimer in privacy policy
- Updated store description
- Minor stability improvements
Punjee is an independent planning tool. For investment decisions, consult a SEBI-registered financial advisor.
- Added clear disclaimers and links to SEBI, AMFI, RBI on all calculator screens
- Strengthened non-affiliation disclaimer in privacy policy
- Updated store description
- Minor stability improvements
Punjee is an independent planning tool. For investment decisions, consult a SEBI-registered financial advisor.
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About the developer
UB2 STUDIO
contact@ub2studio.com
Flat No. 602, Durga Krupa CHS
Hanuman Chowk, Mulund
Mumbai, Maharashtra 400081
India
+91 98708 44143
